ORDER

1.      This consumer complaint under section 21(a)(i) of the Consumer Protection Act, 1986 (in short, the ‘Act’) is filed alleging deficiency in service in repudiation of the claim filed by the complainant as her husband’s nominee in a Group Credit Protection Plus Insurance policy issued by the opposite party.

2.      The relevant facts of the case according to the petitioner are that the said policy dated 22.06.2012 was for a life cover of Rs 1,00,00,000/- against a premium of Rs 6,96,519.64. The deceased life assured (DLA), Dr P. Phanindranandha Reddy died a sudden but natural death on 10.11.2013. The complainant approached the opposite party for settlement of claim in December 2013 but was informed vide letter dated 14.04.2014 that the claim was repudiated on the ground that pre-existing diseases such as Type 2 Diabetes Mellitus, Hypertension and Obesity were not disclosed  in the proposal form dated 19.06.2012. The complainant’s representation before the Claims Review Committee was also disallowed on 17.06.2014. The complainant is before this Commission with the following prayer:

i.        Direct the Respondent to pay the entire insured sum of one crore rupees to the Compla